01 - 
                Cook ground beef in a large skillet over medium heat until thoroughly browned. Drain off excess fat, then stir in chili powder, cumin, paprika, salt, and pepper. Remove from heat and set aside.
              
              
              
                02 - 
                Heat flour tortillas on a skillet or in the microwave until pliable and soft, facilitating easier folding.
              
              
              
                03 - 
                Lay out a flour tortilla. Spoon a portion of seasoned beef in the center. Drizzle with warm nacho cheese sauce. Top with a tostada shell. Spread sour cream over the tostada, then layer on shredded lettuce, chopped tomatoes, cheddar cheese, and Monterey Jack cheese.
              
              
              
                04 - 
                Fold the edges of the tortilla upward toward the center, creating pleats until completely enclosed. If necessary, place a small piece of tortilla in the center to reinforce the seal.
              
              
              
                05 - 
                Heat oil in a skillet over medium heat. Place the assembled wrap seam-side down and cook for 2 to 3 minutes until golden and crisp. Flip and cook the opposite side until browned.
              
              
              
                06 - 
                Transfer to a serving plate and enjoy while warm.